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It can be difficult to pick between the different types of payment protection for your mortgage. The differences are often small but significant and which one is most suitable for you depends on what you need the payments to cover. Mortgage payment protection insurance. This is often offered along with your mortgage. It typically starts […]
2019 has brought some changes to the buy to let market. Property investors across the country are sure to be deliberating over whether it’s better to buy, sell or refinance their portfolios. With changes in tax relief and HMO (houses in multiple occupation) regulations the question “is it worth it” will be in many people’s […]
Last month we looked at some of the health concerns that insurance companies are now starting to recognise and include in their policies, where previously they would have excluded them. This month we give you a guide to the basics of insurance. What types of cover are available? Life insurance has several variations, but the […]
Predicting how interest rates will change over the long term is difficult at the best of times. When the political and economic outlook is as changeable as it is at present it is doubly so. However, we all need to be able to plan for our financial future beyond the extent of our two or […]
Since the credit crunch in 2008 and the subsequent financial crash banks have been subject to stress tests by the Government. Part of this was the Mortgage Market Review (or MMR) a comprehensive investigation of the mortgage market that came into effect in 2014. As a result, the mortgage world has toughened up. There were […]
We have talked about various aspects of insuring against accident, sickness and unemployment, most recently about new policies that support those with Diabetes. Just this week I went to an event where we were given some statistics on the different health concerns that will affect many of us at some point in our lives. I […]
In December’s blog we looked at the likely state of the mortgage market in 2019. We quoted Darren Cook of Moneyfacts as saying that home owners were looking for some certainty about their finances in the face of an uncertain economic outlook. That uncertainty is not all Brexit related by any means, so an awareness […]
People with Type 2 Diabetes have insulin resistance. The body still produces insulin, but it’s unable to use it effectively. This contrasts with Type 1 Diabetes where the body is unable to produce insulin. The types of diabetes and severities of some conditions means that it, in life insurance terms it is hard to categorise […]
With headlines about redundancies in the press, most recently from Jaguar/Land Rover, the threat of unemployment is looming for thousands of people more immediately than it has for some years. Something that you may want to consider is some insurance against the worst happening to you. Specialist unemployment insurance policies usually pay out for up […]
When we reach the age of 55 many of us find that our lives are starting to change. For those fortunate enough early retirement may beckon. Children may well be building independent lives and you could be considering your options. In the past this could often mean downsizing or taking out an expensive equity release. […]